Artwork source · Credit Union West Credit Union ↗

MasterCard World RewardsCredit Union West Credit Union · state credit union, AZ · NCUA 68421

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · MastercardNetwork stated on issuer website

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

$0 Annual Fee

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0 Annual FeeCREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No matter which credit card you choose, it will have no annual fee.”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	$0, Earn 2% Cash Back on balance transfers with no balance transfer fee.CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 2% Cash Back on balance transfers with no balance transfer fee.”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Signup bonuspoints award	10,000 points. Spend $1,000 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup bonuspoints award	1,000 points. Qualifying purchase amount is not disclosed. Qualification deadline is not disclosed. Award posting timing is not disclosed. Offer expiration not disclosed. You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup source conditions	https://dreampoints.com/cuwest/CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“https://dreampoints.com/cuwest/”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup bonuspoints award	10,000 points. Spend $1,000 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Signup bonuspoints award	1,000 points. Qualifying purchase amount is not disclosed. Qualification deadline is not disclosed. Award posting timing is not disclosed. Offer expiration not disclosed. You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
PurchasesNot disclosed	1.5 points per $1. See source conditions for eligible purchases.CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1.5 reward points for every dollar you spend on eligible purchases.”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Purchase rewardsNot disclosed	1.5 points per $1. See source conditions for eligible purchases.CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1.5 reward points for every dollar you spend on eligible purchases. Redeem online for travel, merchandise, cash back, or even donate them to support your favorite charity.”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchases	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 1.5 reward points for every dollar you spend on eligible purchases. CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1.5 reward points for every dollar you spend on eligible purchases.”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: travel, merchandise, cash back, charitable donations. Earn 1.5 reward points for every dollar you spend on eligible purchases. Redeem online for travel, merchandise, cash back, or even donate them to support your favorite charity.CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1.5 reward points for every dollar you spend on eligible purchases. Redeem online for travel, merchandise, cash back, or even donate them to support your favorite charity.”CREDIT UNION WEST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Credit Union West Credit Card Agreement - Disclosure 4.1.2026page 1 of 5

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of _______________. You can contact us at (602) 631-3200, toll free at (800) 621-0287, or the address on page 1, to inquire if any changes occurred since the effective date.

INTEREST RATESand INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers · MasterCard World Rewards · MasterCard Platinum 15.99% to 24.00% depending on your credit history. This APR will vary with the market based on the Prime Rate. 15.99% to 24.00% · 12.99% to 24.00% depending on your credit history. This APR will vary with the market based on the Prime Rate. 12.99% to 24.00% APR for Cash Advances · _______% to _______% depending on your credit history.ThisAPR will vary with the market based on the Prime Rate. · _______% to _______% depending on your credit history.ThisAPR will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. Minimum Interest Charge · None For Credit Card Tips from the Consumer Financial Protection Bureau · Tolearn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES: Fees to Open or Maintain your Account • Annual Fee: · None Transaction Fees • Balance Transfer: • Cash Advance: • Foreign Transaction: • Foreign Transaction: · None 4.00% of the amount of each cash advance 2.00% of each transaction in U.S. dollars 2.00% of each transaction in U.S. dollars • Late Payment: Penalty Fees • Over-the-Credit · Up to $32.00 the first time your payment is late 3 days or more (fee will not exceed payment if payment due is under $32.00). If you make a subsequent late payment within the following 6 billing cycles, you will be charged up to $43.00 for each late payment (fee will not exceed payment if payment due is under $43.00). Limit: • Returned Payment: · None Up to $28.00 the first time your payment is returned for any reason (fee will not exceed payment if payment due is under $28.00). If a subsequent payment is returned for any reason within the following 6 billing cycles, you will be charged up to $35.00 for each returned payment (fee will not exceed payment if payment due is under $35.00).

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 2 3 4 5No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:ed3b07e6aced938406f2143fd4300b432c0ce5be497090f3e1a10ef599ee8529
“No matter which credit card you choose, it will have no annual fee.”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“$0”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“$0 Annual Fee”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“Earn 2% Cash Back on balance transfers with no balance transfer fee.”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“https://dreampoints.com/cuwest/”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“You’ll earn 10,000 bonus points when you make $1,000 in net purchases within 90 days of credit card account opening and an additional 1,000 bonus points for registering your credit card online at”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:ed3b07e6aced938406f2143fd4300b432c0ce5be497090f3e1a10ef599ee8529
“Earn 1.5 reward points for every dollar you spend on eligible purchases.”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“Earn 1.5 reward points for every dollar you spend on eligible purchases. Redeem online for travel, merchandise, cash back, or even donate them to support your favorite charity.”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“Card Agreement”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“Card Agreement”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“Redeem Points”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“16.24% APR”
Additional source detail; structured values remain unknown. The page gives an as-low-as APR without the retained capture date needed for an effective date.
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“2.00% cash back on balances transferred to a new Credit Union West Platinum or Rewards Mastercard® credit card. Subject to credit approval. Approval is based on several factors, including borrower’s credit history. Balances being transferred must be listed on the applicant’s credit report at time of application”
Additional source detail; structured values remain unknown. The 2% award applies to balance transfers; no supported purchase-rewards grain expresses that trigger.
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“et 2% cash back on balance transfers and we'll waive the balance transfer fee.”
Additional source detail; structured values remain unknown. The introductory fee waiver has no disclosed offer duration; it is not an unconditional ongoing fee.
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“16.24% - 24.00% Variable”
Additional source detail; structured values remain unknown. APR retained without a typed rate because the supplied capture metadata has no date and no qualifying literal ISO effective date is stated.
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“Earn 2% Cash Back on balance transfers with no balance transfer fee.”
Additional source detail; structured values remain unknown. The 2% cashback applies to balance transfers at card opening; the purchase-cashback shape cannot represent its earning basis.
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:3d9535abca968598268755a79cfb4762297552671e04b1852b13e99c72b83199
“World Rewards Mastercard”
Open source link ↗
CREDIT UNION WEST
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:cc1e9f464ef2a1c361570b0f45daac84ddcce3b03bba95bae578f60bc7fe655c
“World Rewards Mastercard”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer fee, Issuer link, Rewards, Signup bonus

Offered through: Credit Union West Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68421
Branches: 15 in AZ
Sources: Official issuer · 1 document · 0 pages cited

Documents

Credit Union West Credit Card Agreement - Disclosure 4.1.2026effective date not parsedName declaration: MasterCard World Rewards · page 1

MasterCard World RewardsCredit Union West Credit Union · state credit union, AZ · NCUA 68421

Rates and fees